Cashcolt
Free
Closing costs
Estimates closing costs — property transfer tax, notary/land registry and agent commission — by region.
From the free amortization calculator to the advisor toolkit — what Cashcolt does in each plan.
Monthly payment, remaining balance and the full amortization schedule update live on every keystroke. The same calculation engine runs in the browser and on the server — no rounding surprises between preview and saved loan.
Total remaining balance, accumulated interest and the debt-free date across every loan in one overview — including a balance-over-time chart. Free for up to 5 contracts, more with a plan upgrade.
The full amortization schedule row by row — interest and principal share, overpayments and remaining balance per period, down to the final payment.
Plan one-off or recurring overpayments — the schedule and debt-free date adjust instantly, including the interest you save.
Cashcolt shows the effective annual rate so offers stay comparable despite differing fees and disbursement dates.
Export the full amortization schedule as CSV and open it straight in Excel or Numbers.
Manage building-savings (Bauspar) contracts across both phases: savings (balance grows) and loan. They flow into the portfolio, the dashboard and property folders as their own contract type.
Link the building-savings contract that will pay off a loan. Cashcolt compares allotment readiness against the loan's end and shows a traffic-light verdict — too late, tight or in time — including the savings rate or one-off payment needed to pull the allotment forward. From the loan side, a KPI card shows in reverse which contract carries the follow-up.
Computes the sustainable monthly payment from income and expenses — rental income from the ledger is auto-prefilled and raises the affordable rate.
Combine a KfW subsidised loan with a bank loan and see the blended rate, total payment and amortization of the mix.
With several loans, the optimizer shows which contract an overpayment saves the most interest on — a clear order instead of guesswork.
Set your goal — monthly budget or debt-free date — and Cashcolt works backwards to the matching loan amount or payment.
See the remaining balance at the end of the fixed-rate period and use the rate stress test to gauge what a higher follow-up rate costs — including forward loans.
Select your existing loans and compare them against a combined refinancing offer: new payment, total cost difference including the prepayment penalty, and break-even.
Build several financing scenarios and compare them side by side: interest rate, repayment, payment and total cost over the term — the best option at a glance.
Organize everything for a property in one folder: loans, building-savings contracts and rental income. Each folder rolls up remaining balance, savings balance and rental cash flow. Built for advisors and landlords.
Share loans or property folders via time-limited links. When rates change, refresh creates a new link with an up-to-date snapshot. The list shows email delivery, views and stale data.
Record rental income per property as ongoing cash flow. It feeds the dashboard rental cash flow, the property-folder roll-up and the affordability calculation — the landlord's view of the portfolio.
Multiple team members work on shared loans and clients — with roles and shared access.
A dedicated, isolated instance with its own data store — optionally under your own domain.
A direct line with prioritized response times — for teams and institutions that rely on Cashcolt.
Small, focused helpers around buying and financing.
Estimates closing costs — property transfer tax, notary/land registry and agent commission — by region.
Compares renting and buying over the years and shows when buying pays off.
Estimates the early-repayment penalty — a decision aid before refinancing.
Computes gross and net rental yield and the ongoing cash flow of a property from price, rent and costs.
| Feature | Free | Pro | Expert | Enterprise |
|---|---|---|---|---|
| Contracts | 5 | 50 | 500 | unlimited |
| Live amortization calculator | ✓ | ✓ | ✓ | ✓ |
| Portfolio dashboard | ✓ | ✓ | ✓ | ✓ |
| Amortization schedule table | ✓ | ✓ | ✓ | ✓ |
| Overpayments | ✓ | ✓ | ✓ | ✓ |
| Effective annual rate | ✓ | ✓ | ✓ | ✓ |
| CSV export | ✓ | ✓ | ✓ | ✓ |
| Building-savings contracts | ✓ | ✓ | ✓ | ✓ |
| Follow-up via building savings | ✓ | ✓ | ✓ | ✓ |
| Affordability | ✓ | ✓ | ✓ | ✓ |
| KfW mix | ✓ | ✓ | ✓ | ✓ |
| Closing costs | ✓ | ✓ | ✓ | ✓ |
| Rent vs. buy | ✓ | ✓ | ✓ | ✓ |
| Prepayment penalty | ✓ | ✓ | ✓ | ✓ |
| Repayment optimizer | ✓ | ✓ | ✓ | |
| Goal calculator | ✓ | ✓ | ✓ | |
| Fixed-rate period & follow-up | ✓ | ✓ | ✓ | |
| Refinance comparison | ✓ | ✓ | ✓ | |
| Scenario comparison | ✓ | ✓ | ✓ | |
| Rental yield | ✓ | ✓ | ✓ | |
| Property folders | ✓ | ✓ | ||
| Share links | ✓ | ✓ | ||
| Rents & letting | ✓ | ✓ | ||
| Team accounts | ✓ | |||
| Dedicated instance | ✓ | |||
| Priority support | ✓ |
